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Join the hundreds of thousands of people who've gotten out of debt with YNAB.

Richard, UK"YNAB changed my entire perception of money. Before I was a nervous wreck but now I am completely confident and comfortable. At any given moment, I know exactly what I have in each category is what I can spend. "

Mariah, 25, Newport, KY"We paid off 45k of student loans, and now we’re saving for a couple vacations. When we had control of where our money was going, we were shocked at how much we could do with what we had. "

Celia, 32, Durham, NC"We thought having a budget just meant knowing what our bills would be and making sure that total was less than our income. But with YNAB, we’ve learned it’s about designing the life we want."

Matthew, 29, New York City, NY"It sounds extreme, but YNAB truly is life-changing. Now that I am debt-free, I am far better equipped to take on the rest of my life. I feel like I'm able to focus so much better in other areas because my head is so clear on money."

Frequently Asked Questions

How much can I expect to save with YNAB?

On average, new budgeters save $200 in their first month with YNAB. Oh, and after nine months, the average YNABer saves more than $3,300. Also, more control and less stress. In terms of an investment, that’s a serious return.

Or think of it like this: skip one night of eating out this month, and you’ve paid for YNAB for a year (and cut out 1,000 calories!). Plus, the trial is free for 34-days so definitely worth a shot!

Is this a one-time charge?

No. You’ll be billed annually. (But you’ll sleep better daily.)

Do you really give students YNAB for free?

We offer all students YNAB free for 12-months (in addition to the free 34-day trial). If you’re interested, write into student@ynab.com with proof of enrollment—think student ID card, transcript or tuition statement (but anything that shows you are currently enrolled and includes your name, your school, and the date will do). We can’t wait to get you budgeting!

As a student, what happens after my free year?

After your free year as a student, we’ll give you a one-time 10% discount! By this point, you will have saved so much money, it will be a no-brainer.

Does bank import work for non-US/Canadian banks?

Direct import currently only supports US and Canadian banks– but File-Based Import works like a charm. (It’s seriously slick, you should try it.)

Is the exchange rate taken into account with pricing?

YNAB is priced in US dollars. Exchange rates are not reflected in the price.

Does YNAB support multiple currencies?

You can select what currency you want to use in your budget, but you can’t use multiple currencies together in a single budget.

I have YNAB 4—do I need to buy it again?

You can, of course, keep using the version you have for as long as you’d like. (Need to redownload? You can grab a copy here.) If you’d like to use the new YNAB, you will need to create a new account, sign-up for a free, 34-day trial, and then (hopefully!) purchase a subscription.

If I upgrade, is there a discount for existing users?

Yes! Upgrade here, and a 10% lifetime discount will be automatically applied.